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September 16.2025

2 Minutes Read

UTB's Move to Lift Portfolio Limits Paves New Paths in Buy-to-Let Lending

Smiling businessman with digital house graphic, Buy-to-Let Lending Changes.

United Trust Bank Reshapes Buy-to-Let Lending

United Trust Bank (UTB) has made significant strides in improving its offerings for buy-to-let (BTL) landlords by abolishing the restrictions on the number of properties in which borrowers can invest. Effective immediately, there is no longer a cap on the total portfolio size for large portfolio landlords, presenting new opportunities for both brokers and investors.

Under the revised guidelines, UTB allows the mortgage of up to six properties at a time and offers funding up to £2.5 million. However, borrowers with more than ten properties will need to provide cash flow statements, and those with portfolios exceeding 20 properties or valued over £5 million will be required to submit a completed business plan using a simplified template provided by UTB.

A New Level of Flexibility for Landlords

Buster Tolfree, UTB's director of mortgages, emphasizes that these changes are designed to enhance brokers' capability to support landlords with larger portfolios. He states, "We want to give more landlords the opportunity to take advantage of rental property opportunities many other lenders won’t consider." This sentiment reflects a growing trend in the lending market towards greater accessibility and support for diverse property investments, especially in non-standard constructions.

Impact on the Buy-to-Let Market

This move comes in the wake of Aldermore reducing rates on buy-to-let deals by up to 30 basis points, showcasing a competitive lending environment aimed at facilitating landlord investment. With more lenders adapting to the needs of landlords, the BTL landscape is expected to become increasingly attractive as it adapts to changing market conditions. Such developments are crucial for financial institutions and service providers who seek to understand the dynamic nature of real estate investments.

In summary, the lifting of portfolio limits by UTB represents a pivotal moment for buy-to-let investors, allowing for expanded opportunities in the rental market. Brokers should utilize this flexibility to guide landlords in making informed decisions that cater to their investment goals.

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UTB's Move to Lift Portfolio Limits Paves New Paths in Buy-to-Let Lending

United Trust Bank Reshapes Buy-to-Let Lending

A New Level of Flexibility for Landlords

Impact on the Buy-to-Let Market

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